Help your employees prepare for the unexpected.
Over half your employees couldn't cover an unplanned expense. QUBER gives them a matched emergency savings account — building the saving habit while reducing the financial stress that costs your organization every day.
Trusted by organizations across North America
What is QUBER?
An emergency savings benefit that builds the habit of saving.
QUBER is an emergency savings benefit that leverages behavioural science to increase deposits, reduce cash-outs, and drive retention. As employees save in the app, they earn incentives from you — whether that's matched contributions, rewards, or prize draw entries — keeping them consistent with the habit.
With a focus on short-term emergency savings, employees are much less likely to dip into their retirement savings when the unexpected happens.
Why organizations need QUBER
Your employees need this. Your organization does too.
Your employees are stressed about money.
The result is reduced productivity and engagement. Financial stress costs US and Canadian employers over $500 billion a year in lost productivity — and it shows up in your organization every day.
Traditional benefits are no longer enough.
QUBER complements your existing benefit program. Once employees manage their day-to-day expenses, they'll have far more success with your long-term benefit programs too.
An inclusive program matters to you.
You've built a diverse workforce. Now you need a benefit that attends to your employees' specific financial goals, regardless of age, gender, race, or income level.
You need a low-touch solution.
You're swamped managing your most valuable asset: your people. QUBER handles all onboarding, enrollment, employee support, and monthly reporting — you don't have to lift a finger.
Your organization's ROI
How QUBER boosts your bottom line
Financial stress has a very real impact on productivity, attendance, and turnover. QUBER directly addresses all three.
Increase productivity
MetLife research shows that stress and feelings of burnout directly cause declines in productivity and engagement. QUBER equips employees with the tools to manage their money with confidence — reducing the stress they carry into the workplace each day.
Decrease absenteeism
It's not retirement stress — it's rent, childcare, and unexpected bills. Employees without a financial cushion are constantly managing financial fires. QUBER helps them build one, so those fires stop burning on company time.
Reduce turnover
Financial stress is one of the top drivers of employee turnover. QUBER gives employees a meaningful reason to stay — a benefit that actually helps them build financial security, month after month.
What your employees get
A platform they'll actually use and love.
QUBER leverages behavioural science to help employees focus on growing their savings and make long-term, tangible improvements to their financial habits.
No-fee emergency savings account
CDIC/FDIC-insured. Liquid. Always accessible when they need it most.
Custom, branded saving plan
Your organization's exclusive incentive program, with your incentive rules and your branding.
Payroll or direct bank — your choice
Employees can save via payroll deduction or direct bank withdrawal. No payroll integration required — ideal for franchises or organizations with complex payroll structures.
Behavioural nudges & financial education
Personalized content and contextual nudges — backed by behavioural science — keep employees learning, saving consistently, and building lasting financial confidence.
Save to Win prizes
Monthly and grand prize draws reward saving — keeping employees engaged and excited.
First-class support
QUBER handles all employee questions with a top-rated support team. Not your HR team's problem.
What employees say
Our App Store rating says it all.
Real reviews from real employees using QUBER through their workplace program.
“I strongly recommend this app. I have been using it for about 2 months now and already saved over $100 without really noticing it. The only regret I have is to not have downloaded this sooner.”
“Highly recommend! Easy to set up and easy to cash out money if you need it. Actually made me start saving! I was really bad with money and I have now developed better habits with both spending and saving!”
“This app has helped me save almost $400 so far with hardly any effort on my part! I can save without thinking! Highly recommend this if you're like me and have never been successful at putting money aside!”
“I love the QUBER savings app. I've been using it for 8 months and saved over $2,100. Having savings in a separate account with automatic withdrawals has been a great way to keep that money safe.”
“Quber is a brilliant, stress-free way to save money. The amount you set to automatically come out of your bank really adds up. The support staff are amazing — they answer questions thoroughly and promptly.”
“Now I'm saving and saving and it's making a huge difference. My money story is shifting from scarcity into creating! Thank you for helping empower this.”
Not only are Levi's employees thrilled to have an extra liquid savings account that is helped by our matching, but the habits and behaviour change really stick for a long time. Levi's achieved their biggest cohort ever, in the history of the program, with QUBER.Jenny Calvert Rodriguez
Executive Director, Red Tab Foundation (Levi's)▶ Watch Jenny's interview
Additional resources
Everything you need to make the case.
Wellness Assessment
Request our financial wellness survey template to learn more about your employees' level of financial health.
Request your copy →QUBER Brochure
A summarized PDF on the key points of our program — perfect to share with your HR team or leadership.
Download PDF →Explainer Video
A short video that quickly describes how introducing QUBER can make big changes within your organization.
Watch the video →Money Talks Blog
Stay up-to-date on employee benefits trends, financial wellness research, and what employees are asking for.
Visit the blog →Common questions
Everything you need to know
What types of organizations use QUBER?
QUBER works with for-profit employers, non-profits, foundations, and community organizations. Our partners range from large enterprises like Amazon and Levi's to foundations like KFC Foundation that serve hourly and frontline workers.
How does the employer match work?
You set your own match rate (e.g. 50¢ per $1 saved) and monthly cap. Contributions are scheduled automatically alongside payroll. There's no complex administration — we handle all of it.
Why not just give my employees a raise?
Most people are very good at spending money but not so good at saving it. When people receive extra income, they often find new ways to spend it. QUBER builds the saving habit — employees save 5× more than they would with automatic payroll deduction alone.
Is this a retirement account?
No — QUBER is a liquid emergency savings benefit. Unlike RRSPs or 401(k)s, employees can access their savings anytime. This is intentional: emergency savings need to be accessible to actually work.
Is QUBER available in the US and Canada?
Yes. QUBER operates in both Canada and the United States. Our accounts are CDIC-insured in Canada.
How long does implementation take?
Most organizations are fully live within 4–6 weeks. We handle all the heavy lifting — employee communication, onboarding, and technical integration.
Ready to offer a benefit your employees will actually use?
Book a 30-minute call with our team. We'll show you how QUBER works and build a custom proposal for your organization.
Book a Demo →